摘要
我国各级政府陆续推出多项政策,推动供应链金融在各行各业的深入发展,缓解中小微企业融资难的问题,同时供应链金融领域问题层出不穷,表明供应链金融正处在艰难发展阶段,需要从基础设施和体系建设上谋求供应链金融的长远发展,重构供应链和供应链金融中的信用体系,在重构交易关系的基础上利用数字技术确立数字信用,理性、合理运用数字技术,提升供应链效率和效能。供应链金融中的信任链需要围绕供应链的关键业务领域和供应链管理维度来建设与推动,其中可信交易链、可信资产链、可信行为链、可信制度链是推动信任链建构的核心成份与要素,同时信任链的建设必然涉及供应链管理的关键三维,即供应链的组织方式、业务关键流程以及管理核心要素。建立以四个可信为内容的信任链,将供应链金融活动中各类参与主体和相应的业务、产品有效结合起来,互动产生数字信用,需要建立供应链数字平台。支撑信任链运作的供应链数字平台架构包括涵盖IT和知识资源的后台建设,技术、数字、人工智能、组织和业务的中台建设,灵活应对市场需求和价值诉求的前台建设,以及中枢控制塔建设。
Governments at all levels in China have introduced many policies to promote the deep development of supply chain finance in all industries and alleviate the financing problems facing SMEs.And at the same time,more and more related problems exist demonstrating the difficult time for supply chain finance to go through,which needs us to pursue the long-term development of supply chain finance starting from infrastructure and system construction,rebuild the credit system in supply chain and supply chain finance,establish digital credit with the help of digital technology based on the reconstruction of transaction relation,rationally apply the digital technology,and improve the efficiency and effect of supply chain.The construction and promotion of the credit chain in supply chain finance should be taking the key business field of supply chain and the dimension of supply chain management as the center;credible transaction chain,credible capital chain,credible behavior chain,and credible institution chain are the core ingredients and elements for us to promote the construction of credit chain;and at the same time,the construction of credit chain must be related to the critical three dimensions of supply chain management,namely the organization pattern of supply chain,the key process of business,and the core elements of management.Constructing the credit chain taking the four“credibles”as the contents,effectively combining different types of main players in supply chain finance activities and the related business and products,and generating digital credit with the help of interaction need the establishment of supply chain digital platforms.The framework of supply chain digital platforms,which can be used to support the operation of credit chain,includes the back desk construction concerning IT and knowledge resources,the middle office construction concerning technology,digit,AI,organization and business,and the front desk construction that can be used to flexibly cope with market requirements and value appeals,and the construction of central control tower.
作者
宋华
SONG Hua(Business School,Renmin University of China,Beijing 100872,China)
出处
《中国流通经济》
CSSCI
北大核心
2022年第3期14-21,共8页
China Business and Market
基金
国家社会科学基金重点项目“中国产业供应链现代化发展模式与政策研究”(21AZD015)
国家自然科学基金面上项目“基于互联网的产业生态对供应链金融模式与效率的影响研究”(71872177)。
关键词
供应链金融
信任链
数字信用
信息不对称
supply chain finance
credit chain
digital credit
information asymmetry
作者简介
宋华(1969-),男,湖北省武汉市人,中国人民大学商学院教授,博士生导师,中国人民大学中国供应链战略管理研究中心主任,主要研究方向为供应链金融、服务供应链。
